- Crop Helpline14447(Others), 1800-200-5142(Karnataka)
- Senior Citizen1800-267-4030
Get Complete Protection For
Why you should buy
Healthcare Insurance from us
Tailor-made Plans
Affordable Premium
Flexible Sum Insured
Wide Hospital Network
Cover Highlights For You And Your Loved Ones
Cover Highlights
Annual Health
Check-Up
Existing Illness
Waiting Period
Emergency
Ambulance
Hospitalization
(More or less than 24 hrs)
Post-Hospitalization Expenses
The Right Plan For A Healthier You
- In-Patient Hospitalization
- Pre-Hospitalization
- Post-Hospitalization
- Day care
- Room Rent
- ICU Charges
- Ambulance Cover
- Domiciliary Hospitalization
- Gold(2 to 10 Lakhs)
- Up to Sum Insured
- 60 days
- 90 days
- Up to Sum Insured
- No Sub-Limit
- Rs. 3000/
Hospitalization
- Diamond(3 to 20 Lakhs)
- Up to Sum Insured
- 90 days
- 120 days
- Up to Sum Insured
- No Limit
- Rs. 3500/
Hospitalization
- Platinum(10 to 100 Lakhs)
- Up to Sum Insured
- 120 days
- 150 days
- Single Private Room Up to Sum Insured
- No Limit
- Rs. 4000/
Hospitalization
- Gold(2 to 10 Lakhs)Diamond(3 to 20 Lakhs)Platinum(10 to 100 Lakhs)
In-Patient Hospitalization
- Up to Sum InsuredUp to Sum InsuredUp to Sum Insured
Pre Hospitalization
- 30 Days30 Days30 Days
Post Hospitalization
- 90 Days120 Days150 Days
Day care
Room Rent
- Upto Sum insuredUpto Sum insuredUpto Sum insured
ICU Charges
- No Sub-limitNo limitNo limit
Ambulance Cover
- ₹ upto 3000/Hospitalization₹ upto 3500/Hospitalization₹ upto 4000/Hospitalization
Ambulance Cover
- Up to 10% SIUp to 10% SIUp to 20% SI
Know What Our Super
Healthcare Insurance
Offers You
In Patient Hospitalisation Expenses
Covers expenses such as Room Rent boarding expenses, Nursing Charges, Intensive Care Unit, Medical Practitioner(s) Anaesthesia, Blood, Oxygen, Operation theatre charges, Surgical Appliances, Medicines, Drugs and Consumables, Intravenous fluids, Blood transfusion, Injection administration charges, Diagnostic Procedures, The Cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure. Show MoreShow Less
Day Care Treatment
The Company will pay for the Medical Expenses for day care treatment/ surgical procedures, taken by the Insured as an inpatient for less than 24 hours in a Hospital or day care centre but not in the outpatient department of a Hospital or day care centre as enlisted in the list of Day care Treatment/Procedures annexed to this Policy Show MoreShow Less
Ambulance Expenses
The company will pay the ambulance expenses incurred for Road Ambulance Expenses, Special Cardiac Ambulance expenses, Air Ambulance up to the maximum amount as specified in Policy Schedule, per valid hospitalization claim for transferring the Insured member(s) to the nearest Hospital with adequate facilities, If a claim is accepted under In-patient hospitalization,. Show MoreShow Less
Cosmetic or plastic Surgery
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner. Show MoreShow Less
Hazardous or Adventure sports
Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering,rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving. Show MoreShow Less
Rehabilitation and Respite Care
Expenses related to any admission primarily for enforced bed rest and not for receiving treatment.Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons Show MoreShow Less
Want to know More?
Get all your policy related details on your fingertips.
Prospectus Get Claim in 3 Easy Steps
1Initiation
Set the ball rolling by requesting for cashless approval through a network hospital. Post which we evaluate and approve/reject the request.
2 Hospitalisation
After approval, go ahead with the hospitalization.
3Claim Settlement
The claim gets settled directly with the hospital upon discharge.
1Initiation
Settle the bill with the hospital and share the original documents and invoices with us.
2Verification
We authenticate the documents.
3Claim Settlement
The approved amount gets deposited in your bank account.
Our Customers Are Our Family
Look At What They Have To Say!
I am writing to appreciate the quality of service offered to me by Universal Sompo. I had submitted a claim after my husband’s demise and Universal Sompo settled it within one month. The paper work was quite simple and so was the entire claim process. Really grateful and thankful to the team.
P. Usha
Tamil NaduI chose Universal Sompo as my health insurance partner, and I can gladly say that I made the right choice. Their customer service team is proactive, customer-centric, digitally-enabled and provides best services. I strongly recommend Universal Sompo to anyone who is looking for a reliable health insurance provider.
Rajat Pardal
DelhiI lost my father in a tragic accident. He had a Personal Accident Policy with Universal Sompo. So, I reached out to the claims team that very patiently guided me through the claim procedure. My claim got settled in January 2021, for which I am extremely grateful.
Chetan Praksah
New DelhiI recently tested positive for COVID-19 and had to be hospitalized. After I got discharged, an officer came to my home, collected my bills, and forwarded them for approval. I got my claim amount sanctioned within a week. Hard to believe, right? But it happened.
Pius Devote
ChennaiI am a resident of Jodhpur city, currently preparing for SSC exams. Recently, I and my elder brother got infected with COVID-19, but fortunately, each one of us had Corona Rakshak Policy from Universal Sompo. It saved us from any major inconvenience as far as the financial front is concerned.
Raghuveer Choudhary
JodhpurI lost my wife to COVID-19. For me, nothing can compensate for her loss. But it is at such times that you know who your real well-wishers are. And for me, Universal Sompo is one of them. Really grateful to all that you did for me.
Nikhil Karande
Pune
Frequently Asked Questions
- Health Insurance
- Claim Process
- Coverage for Health Insurance
- Policy Renewal
- PA Claim
- PA Claim - Hindi
- PA Claim - Marathi
- PA Claim - Kannada
- PA Claim - Tamil
- PA Claim - Telugu
Health insurance pays for specific medical and surgical expenses that the insured member incurs.
A health insurance policy is a contract between an insurance company and insured member or family or group wherein the insurance company agrees to provide specified coverage in return of a pre-decided fee called premium.
Due to changing lifestyle and eating habits we have become more prone to diseases, which had increased the financial burden for high-cost medical needs. To add to that, if there is a need of a medical treatment one would need to be financially strong to support the required expenses as most people cannot afford to pay the high cost of health care on their own. With a right Health Insurance cover, you can not only take care of your medical expenses and but also get timely medical care without impacting your hard-earned savings.
Your employer will bear medical expenses only till the time you are employed with them. If you switch jobs, start something on your own or retire, you may or may not be covered under any policy. And if covered, chances are the coverage might not be sufficient or might come with conditions. So, it is always good to have your own health insurance – for yourself and your family.
Moreover, a health insurance policy can also act as a supplement to your existing employer’s medical cover in case the cost of a particular medical treatment is higher than
1. Individual Health Insurance – As the name suggests, an individual health insurance policy covers a person only. It pays for hospitalization and medical expenses incurred towards treatment of an illness or injury as specified in the policy document.
Senior Citizen Insurance – The older you grow, the more difficult it becomes to get a regular health insurance cover. Therefore, Senior Citizen Health Insurance is meant to specifically address the hospitalization/medical needs of the elder individuals. Such plans are provided on certain conditions and/or exclusions
Critical Illness Insurance - The insurance company pays a lump sum amount to the insured member in case he/she is diagnosed with any one of the specified critical illnesses. Once the Sum Insured is paid, the policy ends.
Personal Accident Insurance - Personal Accident is an insurance cover wherein, in the event of the person sustaining bodily injuries resulting solely and directly from an accident caused by external, violent & visible means, resulting into death or disablement.
Hospital Cash Insurance - Hospital cash is a daily fixed allowance that one is entitled to in case of hospitalization. The daily cash allowance can be used to cover miscellaneous expenditures that may otherwise not be covered in a health plan. One may take hospital cash along with a regular health policy. your existing coverage.
Yes, you can buy more than one health policies provided you declare the same to the insuring companies. Each insurer shall make the claim payments independent of payments received under similar policies. It is on your discretion to choose the policy under which you want to claim. If claim amount is within limits of Sum Insured, then claim will be settled. If claim amount exceeds the Sum Insured under chosen policy, then balance amount will be settled by the other insurance company.
Generally, health Insurance policy are available for a duration of one year and needs to be renewed thereafter, though some plans are available for a duration of two or three years.
A health card is like an identity card which comes along with the Policy. Using this card, you can avail cashless hospitalization facility at any of the network hospitals of your health insurance company.
Yes, you are allowed to change the hospital on the grounds of better treatment and services, but you need to first inform Insurance company who will evaluate your case on the basis of policy terms and conditions.
If you wish to cancel your policy before the end date of the policy, your insurance will cease to exist, and a part of your premium will be refunded to you as per the Terms of policy cancelation mentioned in the policy document and may vary from plan to plan.
Maintaining continuity is important to avail the long-term health insurance benefits. When you take a health insurance, and renew it regularly, you start getting continuity benefits that prove to be invaluable over the time:
• 30 days waiting period is waived off on renewal.
• Disease exclusions for the 1st year and 2nd year are waived off on 1st and 2nd renewals respectively.
• You start getting no claim benefits if no claims have been made in previous policy.
• Pre-existing diseases are covered after 3-4 continued policy years.
Maternity cover may be there only after 2-4 continued policy years if available.
Pre-existing illnesses are the medical condition, ailment, or injury prior to inception of your first health insurance policy. These may be conditions for which you had symptoms, were diagnosed with, or received treatment for, before buying health insurance. If insurance company once accepts your proposal then they are covered after specified time period as per policy terms and conditions, which varies across plan to plan and company to company.
When you fill the proposal form for your health insurance you need to declare any medical/health conditions you have and also need to declare family medical history. Based on these details the insurance company decides if you have a pre-existing disease. It is done in good faith as per the declaration made by you.
No, Infertility treatment is not covered under maternity coverage. Infertility treatment related expenses can be covered with waiting period if an Add On Cover "Sterility and Infertility Treatment Expenses Extension" is opted under the policy
Yes, it is possible to seek treatment at home and be reimbursed for it, the treatments are called as domiciliary treatment, provided basic policy conditions for the same are fulfilled:
• The person is not in a condition to be shifted to the hospital.
• The person cannot be accommodated in the hospital for lack of beds or other infrastructure.
It is always better to seek advice from the company representative regarding such issues as they are always treated as exceptions.
For buying a new health policy, medical examination may be required for people over 45-55 years of age depending upon the plan or policy and on declaration of pre-existing disease.
Sum Insured is the maximum amount of money the insurance company pays towards the claim. You can select the Sum Insured at the time of buying the policy or at the renewals.
If during a policy period you exhaust your entire sum insured and still require hospitalization, the insurance company refills the full Sum Insured for that particular year.
In some instances, it may be required to take the insured to a hospital that is not a network hospital. In such cases the insured can claim the medical expenditure within a stipulated time of the commencement and completion of the treatment.
Yes, you and your family can be covered under the same family policy even if you are staying in different cities in India. You just need to make sure that the network hospitals are available at both the places for ease of claiming the cashless facility.
Not all the consultancy charges and diagnostic tests are covered in a health policy. Most insurance plan covers it only if:
• Consultation and diagnostic charges are part of an on-going treatment for which you have been admitted to hospital.
• They result in diagnosis of a situation for which you have to be admitted to hospital.
If the tests conducted are not related to the hospitalization for a specific treatment, then they might be excluded.
There are certain medical treatments that do not require you to get admitted to the hospital for more than a few hours like dialysis or chemotherapy etc. Such treatments are called day-care procedures. Many of these are covered under the health insurance plans.
Maternity benefits may be an important feature in your health insurance policy if you are availing it as a couple (family floater) and are planning to conceive within 2-4 years. Remember, you must choose the policy, in which the waiting period coincides with your family planning.
When one falls sick, one usually consults a physician and gets relevant investigations done. On physician’s advice, one gets hospitalized for further management of the sickness if required. Such medical expenses incurred before hospitalization are called Pre-Hospitalization expenses.
One gets a major part of the treatment during hospitalization, but some part of the treatment extends beyond the hospitalization, which may involve follow-up visits to the doctor, medicines to be taken or further investigations to be done. Such medical expenses are called Post-Hospitalization expenses.
After a long period of hospitalization, an insured may not be able to get back to work immediately. This means there may be a loss of income. At this point of time, he/she may need extra funds to take care of the household expenses, medicines, etc. Convalescence benefit is an additional benefit offered with health insurance to take care of such expenses.
Yes. As per Insurance Regulatory and Development Authority (IRDAI), you can avail portability option, where-in the insured can transfer his/her health insurance policy from one insurance company to another and from one plan to another. Thus, not losing the renewal credits for pre-existing conditions, available in the existing policy.
Accident is an unpleasant event that happens unexpectedly and causes damage, injury, or death. Policy defines aaccident means a sudden unforeseen and involuntary event caused by external, visible, and violent means.
In case of an unfortunate event of accident to insured, first take care of your health, and consult doctor. Notify police authorities wherever necessary.
Please contact USGIC by any of the following convenient ways:
| MODE OF CONTACT | DETAILS |
| 1. Email advise can be sent at | Contactclaims@universalsompo.com |
| 2. Call on our Toll-Free number | 1800-22-4030 / 1800-200-4030ಗೆ ಕರೆ ಮಾಡಬಹುದು. |
| 3. Senior Citizen Number | 1800-267-4030 |
In a rare case that you find it difficult to communicate through any of the above modes, you may immediately inform the loss to your nearest USGIC office or banker (for Banca policies) who shall contact us for further formalities.
You can do a self-check to see if the answers to the following questions are “YES”?
- Premium – is your premium cheque cleared by the bank?
- Period - whether the insurance is active at the time of loss?
- Peril – whether the cause of loss is covered in the policy? (Perils are defined in the policy document)
- Person – whether you have an insurable interest for the effected person?
If your answers to the above questions are “YES”, then your loss stands covered by us, subject to policy terms and conditions.
We pay the amount to the Insured. In case of death claim, the amount is paid to the nominee of the policyholder. In case there is no nominee made under the policy, then USGIC will insist upon a succession certificate from a court of law for disbursing the claim amount. Alternatively, the USGIC can deposit the claim amount in the court for disbursement to the next legal heirs of the deceased.
Yes.
- Claim Intimation
- Submission of Required Documents
- Processing of Claim
A form is included in the policy kit that you must have received.
The claim form is also available at our company website you may download the same by visiting the link: https://universalsompo.com/claims/claims-forms
No
Yes
| List of Documents | Death Claim | Permanent Total Disability |
| Duly filled original Claim Form | Yes | Yes |
| Policy copy | Yes | Yes |
| Claim Intimation | Yes | Yes |
| FIR – Attested or Original | Yes | Yes |
| Death Certificate | Yes | No |
| Postmortem report | Yes | No |
| Inquest/Coroner’s Report | Yes | No |
| Final Police Report / Original Panchnama | Yes | Yes |
| Legal Heir certificate, if applicable | Yes | No |
| Discharge summary of the treating hospital clearly indicating the Hospital Registration No. (if hospitalized) | Yes | Yes |
| Diagnostic reports (if hospitalized) | Yes | Yes |
| Certificate of from government hospital doctor confirming the nature and degree of disability | No | Yes |
| Photograph of the injured with reflecting disablement | No | Yes |
| Account Opening Form Confirming the Nominee. | Yes | No |
दुर्घटना एक अप्रिय घटना है जो अप्रत्याशित रूप से होती है और हानि, चोट या मृत्यु का कारण बनती है। पॉलिसी दुर्घटना को परिभाषित करती है जिसका अर्थ है बाहरी, दृश्य और हिंसक साधनों के कारण होने वाली अचानक अप्रत्याशित और अनैच्छिक घटना।
बीमाकृत व्यक्ति के साथ दुर्घटना की दुर्भाग्यपूर्ण घटना होने पर पहले अपने स्वास्थ्य का ध्यान रखें और चिकित्सक से परामर्श लें। जहां भी आवश्यक हो पुलिस अधिकारियों को सूचित करें।
कृपया निम्नलिखित में से किसी भी सुविधाजनक तरीके से यूएसजीआईसी से संपर्क करें:
| संपर्क का तरीका | विवरण |
| 1. ईमेल सलाह यहां भेजी जा सकती है | Contactclaims@universalsompo.com |
| 2. हमारे टोल-फ्री नंबर पर कॉल करें | 1800-22-4030 / 1800-200-4030ಗೆ ಕರೆ ಮಾಡಬಹುದು. |
| 3. वरिष्ठ नागरिक क्रमांक | 1800-267-4030 |
दुर्लभ मामले में जब आपको उपरोक्त में से किसी भी माध्यम से संवाद करना मुश्किल लगता है, तो आप तुरंत अपने नजदीकी यूएसजीआईसी कार्यालय या बैंकर (बैंका पॉलिसी के लिए) को नुकसान की सूचना दे सकते हैं जो आगे की औपचारिकताओं के लिए हमसे संपर्क करेंगे।
आप यह देखने के लिए स्वयं जांच कर सकते हैं कि निम्नलिखित प्रश्नों के उत्तर "हां" हैं?
- प्रीमियम - क्या आपका प्रीमियम चेक बैंक द्वारा क्लियर किया गया है?
- अवधि - क्या नुकसान के समय बीमा सक्रिय है?
- जोखिम - क्या नुकसान का कारण पॉलिसी में शामिल है? (जोखिम को पॉलिसी दस्तावेज़ में परिभाषित किया गया है)
- व्यक्ति - क्या प्रभावित व्यक्ति के लिए आपका बीमापात्र है?
यदि उपरोक्त प्रश्नों के आपके उत्तर "हाँ" हैं, तो पॉलिसी के नियमों और शर्तों के अधीन, आपका नुकसान हमारे द्वारा कवर किया जाएगा।
हम बीमाकृत व्यक्ति को राशि का भुगतान करते हैं। मृत्यु के दावे के मामले में, राशि का भुगतान पॉलिसीधारक के नामनिर्दिष्ट व्यक्ति को किया जाता है। यदि पॉलिसी के तहत कोई नामनिर्दिष्ट व्यक्ति नहीं है, तो यूएसजीआईसी दावा राशि के वितरण के लिए अदालत से उत्तराधिकार प्रमाण पत्र पर आग्रह करेगी। वैकल्पिक रूप से, यूएसजीआईसी मृतक के अगले कानूनी उत्तराधिकारियों को अदा करने के लिए अदालत में दावा राशि जमा कर सकता है।
हां ।
- दावा सूचना
- आवश्यक दस्तावेज जमा करना
- दावे की कार्यवाही
पॉलिसी किट में एक फॉर्म शामिल है जो आपको अवश्य प्राप्त हुआ होगा।
दावा प्रपत्र हमारी कंपनी की वेबसाइट पर भी उपलब्ध है जिसे आप लिंक पर जाकर डाउनलोड कर सकते हैं: https://universalsompo.com/claims/claims-forms
नहीं
हां
| दस्तावेजों की सूची | मौत का दावा | स्थायी कुल विकलांगता |
| विधिवत भरा हुआ मूल दावा प्रपत्र | हां | हां |
| पॉलिसी कॉपी | हां | हां |
| दावा सूचना | हां | हां |
| एफआईआर - प्रमाणित या मूल | हां | हां |
| मृत्यु प्रमाणपत्र | हां | नहीं |
| पोस्टमॉर्टम रिपोर्ट | हां | नहीं |
| पूछताछ/कोरोनर की रिपोर्ट | हां | नहीं |
| अंतिम पुलिस रिपोर्ट / मूल पंचनामा | हां | हां |
| कानूनी उत्तराधिकारी प्रमाण पत्र, यदि लागू हो | हां | नहीं |
| इलाज करने वाले अस्पताल का अस्पताल रजिस्ट्री क्रमांक स्पष्ट रूप से दर्शाता डिस्चार्ज सारांश (यदि अस्पताल में भर्ती है) | हां | हां |
| नैदानिक रिपोर्ट (यदि अस्पताल में भर्ती हैं) | हां | हां |
| विकलांगता का स्वरूप और परिमाण की पुष्टि करने वाले सरकारी अस्पताल के डॉक्टर का प्रमाण पत्र | नहीं | हां |
| विकलांगता दर्शाती घायल आदमी की तस्वीर | नहीं | हां |
| नामनिर्दिष्ट व्यक्ति की पुष्टि करनेवाला खाता खोलने का फॉर्म। | हां | नहीं |
अपघात ही एक दुःखद घटना आहे जी अनपेक्षितपणे घडते आणि त्यामुळे नुकसान, दुखापत किंवा मृत्यू होतो. पॉलिसी असे परिभाषित करते कि अपघात म्हणजे बाह्य, दृश्यमान आणि हिंसक माध्यमांमुळे अचानक उद्भवलेली अनपेक्षित आणि दुर्दैवी घटना.
विमाधारकासोबत अपघाताची दुर्दैवी घटना घडल्यास, प्रथम आपण आपल्या आरोग्याची काळजी घ्या आणि डॉक्टरांचा सल्ला घ्या.आवश्यक असल्यास पोलीस अधिकाऱ्यांना कळवा.
कृपया खालीलपैकी कोणताही पर्याय वापरुन यूएसजीआयसीशी संपर्क साधा:
| संपर्क साधन | तपशील |
| 1. ईमेलद्वारे सल्ला येथे पाठविला जाऊ शकतो | Contactclaims@universalsompo.com |
| 2. आमच्या टोल-फ्री नंबरवर कॉल करा | 1800-22-4030 / 1800-200-4030ಗೆ ಕರೆ ಮಾಡಬಹುದು. |
| 3. ज्येष्ठ नागरिक क्रमांक | 1800-267-4030 |
वरीलपैकी कोणत्याही पद्धतीद्वारे संपर्क साधणे कठीण झाल्यास, तुम्ही तुमच्या नजीकच्या यूएसजीआयसी कार्यालयाला किंवा बँकरला (बँका पॉलिसींसाठी) ताबडतोब नुकसानीची माहिती सांगू शकता जे पुढील औपचारिकतेसाठी आमच्याशी संपर्क साधतील.
खालील प्रश्नांची उत्तरे “होय” अशी आहेत का हे पाहण्यासाठी तुम्ही सेल्फ-चेक करू शकता?
- प्रीमियम - तुमचा प्रीमियम चेक बँकेने क्लिअर केला आहे का?
- कालावधी - अपघाताच्या वेळी विमा सक्रिय आहे का?
- संकट – पॉलिसीमध्ये अपघाताचे कारण समाविष्ट आहे का? (संभाव्य धोके पॉलिसी दस्तऐवजात परिभाषित केले आहेत)
- व्यक्ती - तुमच्याकडे अपघातग्रस्त व्यक्तीसाठी विमायोग्य व्याज आहे का?
वरील सर्व प्रश्नांची तुमची उत्तरे "होय" असल्यास, पॉलिसीच्या अटी व शर्तींच्या अधीन राहून तुमचे झालेले नुकसान आमच्याद्वारे कव्हर केले जाईल.
आम्ही विमाधारकाला रक्कम देतो. मृत्यूच्या दाव्याच्या बाबतीत, रक्कम पॉलिसीधारकाच्या नॉमिनीला दिली जाते. जर पॉलिसी अंतर्गत कोणीही नॉमिनी केले नसेल तर, यूएसजीआयसी दाव्याच्या रकमेचे वितरण करण्यासाठी कायद्याच्या न्यायालयाकडून उत्तराधिकार प्रमाणपत्राचा आग्रह धरेल. वैकल्पिकरित्या, यूएसजीआयसी मृत व्यक्तीच्या पुढील कायदेशीर वारसांना वितरीत करण्यासाठी दाव्याची रक्कम न्यायालयात जमा करू शकते.
होय.
- दाव्याची माहिती
- आवश्यक कागदपत्रे सादर करणे
- दाव्याची प्रक्रिया
तुम्हाला मिळालेल्या पॉलिसी किटमध्ये एक फॉर्म समाविष्ट केलेला आहे.
दावा फॉर्म आमच्या कंपनीच्या वेबसाइटवर देखील उपलब्ध आहे तुम्ही लिंकवर जाऊन डाउनलोड करू शकता: https://universalsompo.com/claims/claims-forms
नाही
होय
| आवश्यक कागदपत्रे | मृत्यू दावा | कायमस्वरूपी संपूर्ण अपंगत्व |
| योग्यरित्या भरलेला मूळ क्लेम फॉर्म | होय | होय |
| पॉलिसीची प्रत | होय | होय |
| दावा सूचना | होय | होय |
| एफआयआर - प्रमाणित किंवा मूळ | होय | होय |
| मृत्यु प्रमाणपत्र | होय | नाही |
| पोस्टमॉर्टम रिपोर्ट | होय | नाही |
| चौकशी/कोरोनरचा अहवाल | होय | नाही |
| अंतिम पोलीस अहवाल / मूळ पंचनामा | होय | होय |
| कायदेशीर वारस प्रमाणपत्र, लागू असल्यास | होय | नाही |
| स्पष्टपणे रूग्णालय नोंदणी क्रमांक दर्शविणारा उपचार करणार्या रूग्णालयाचा डिस्चार्ज सारांश (जर रुग्णालयात दाखल केले असल्यास) | होय | होय |
| निदान अहवाल (जर रुग्णालयात दाखल केले तर) | होय | होय |
| अपंगत्वाचे स्वरूप आणि डिग्री याची पुष्टी करणारे सरकारी रुग्णालयातील डॉक्टरांचे प्रमाणपत्र | नाही | होय |
| अपंगत्वाची पुष्टी करणारे जखमींचे छायाचित्र | नाही | होय |
| नामनिर्देशित व्यक्तीची पुष्टी करणारा खाते उघडण्याचा फॉर्म. | होय | नाही |
ಅಪಘಾತವೆಂದರೆ ಅನಿರೀಕ್ಷಿತವಾಗಿ ಸಂಭವಿಸುವ ಅಹಿತಕರ ಘಟನೆಯಾಗಿರುತ್ತದೆ ಮತ್ತು ಹಾನಿ, ಗಾಯ ಅಥವಾ ಸಾವಿಗೆ ಕಾರಣವಾಗುತ್ತದೆ. ಬಾಹ್ಯ, ಗೋಚರ ಮತ್ತು ಹಿಂಸಾತ್ಮಕ ವಿಧಾನಗಳಿಂದ ಉಂಟಾಗುವ ಹಠಾತ್ ಅನಿರೀಕ್ಷಿತ ಮತ್ತು ಅನೈಚ್ಛಿಕ ಘಟನೆ ಎಂಬುದಾಗಿ ಪಾಲಿಸಿಯು ಅಪಘಾತವನ್ನು ವ್ಯಾಖ್ಯಾನಿಸುತ್ತದೆ.
ಅಪಘಾತದಂತಹ ದುರದೃಷ್ಟಕರ ಘಟನೆ ಸಂಭವಿಸಿದ ಸಂದರ್ಭದಲ್ಲಿ, ವಿಮೆದಾರರು ಮೊದಲಿಗೆ ತಮ್ಮ ಆರೋಗ್ಯದ ಕಾಳಜಿ ವಹಿಸಬೇಕು ಮತ್ತು ವೈದ್ಯರನ್ನು ಸಂಪರ್ಕಿಸಬೇಕು.
ಅಗತ್ಯವಿದ್ದಲ್ಲಿ ಪೊಲೀಸ್ ಅಧಿಕಾರಿಗಳ ಗಮನಕ್ಕೆ ತರಬೇಕು.
ಅನುಕೂಲಕರಲವಾದ ಯಾವುದೇ ವಿಧಾನಗಳ ಮೂಲಕ USGIC ಅನ್ನು ದಯವಿಟ್ಟು ಸಂಪರ್ಕಿಸಿ:
| ಸಂಪರ್ಕಿಸುವ ವಿಧಾನ | ವಿವರಗಳು |
| 1. ಇಮೇಲ್ ಮೂಲಕ ಮಾಹಿತಿಯನ್ನು, | Contactclaims@universalsompo.com ಈ ವಿಳಾಸಕ್ಕೆ ಕಳುಹಿಸಬಹುದು. |
| 2. ನಮ್ಮ ಟೋಲ್-ಫ್ರೀ ಸಂಖ್ಯೆ | 1800-22-4030 / 1800-200-4030ಗೆ ಕರೆ ಮಾಡಬಹುದು. |
| 3. ಹಿರಿಯ ನಾಗರಿಕರ ಸಹಾಯವಾಣಿ ಸಂಖ್ಯೆ | 1800-267-4030 |
ಮೇಲಿನ ಯಾವುದೇ ವಿಧಾನಗಳ ಮೂಲಕ ಸಂವಹನ ಮಾಡುವುದು ನಿಮಗೆ ಕಷ್ಟಕರವಾದ ವಿರಳ ಸನ್ನಿವೇಶಗಳಲ್ಲಿ, ನಿಮ್ಮ ಹತ್ತಿರದ USGIC ಕಚೇರಿ ಅಥವಾ ಬ್ಯಾಂಕರ್ಗೆ (ಬಂಕಾ ಪಾಲಿಸಿಗಳಿಗಾಗಿ) ನಷ್ಟದ ಬಗ್ಗೆ ನೀವು ತಕ್ಷಣವೇ ಮಾಹಿತಿ ನೀಡಬಹುದು. ಮುಂದಿನ ಔಪಚಾರಿಕತೆಗಳಿಗಾಗಿ ಅವರು ನಮ್ಮನ್ನು ಸಂಪರ್ಕಿಸುತ್ತಾರೆ.
ಉತ್ತರ: ಈ ಕೆಳಗಿನ ಪ್ರಶ್ನೆಗಳಿಗೆ ಉತ್ತರಗಳು "ಹೌದು" ಎಂದಾಗಿವೆಯೇ ಎಂದು ತಿಳಿದುಕೊಳ್ಳಲು ನೀವು ಸ್ವಯಂ-ಪರೀಕ್ಷೆಯನ್ನು ಮಾಡಬಹುದು.
- ಪ್ರೀಮಿಯಂ - ನಿಮ್ಮ ಪ್ರೀಮಿಯಂ ಚೆಕ್ ಅನ್ನು ಬ್ಯಾಂಕ್ ಕ್ಲಿಯರ್ ಮಾಡಿದೆಯೇ?
- ಅವಧಿ - ನಷ್ಟದ ಸಮಯದಲ್ಲಿ ವಿಮೆ ಸಕ್ರಿಯವಾಗಿದೆಯೇ?
- ಅಪಾಯ - ನಷ್ಟದ ಕಾರಣವನ್ನು ಪಾಲಿಸಿಯು ಒಳಗೊಂಡಿದೆಯೇ? (ಆಪತ್ತುಗಳನ್ನು ಪಾಲಿಸಿ ದಸ್ತಾವೇಜಿನಲ್ಲಿ ವ್ಯಾಖ್ಯಾನಿಸಲಾಗಿದೆ)
- ವ್ಯಕ್ತಿ - ಬಾಧಿತ ವ್ಯಕ್ತಿಗೆ ನೀವು ವಿಮೆ ಮಾಡಬಹುದಾದ ಆಸಕ್ತಿಯನ್ನು ಹೊಂದಿದ್ದೀರಾ?
ಮೇಲಿನ ಪ್ರಶ್ನೆಗಳಿಗೆ ನಿಮ್ಮ ಉತ್ತರಗಳು “ಹೌದು” ಆಗಿದ್ದರೆ, ಪಾಲಿಸಿಯ ನಿಯಮಗಳು ಮತ್ತು ಷರತ್ತುಗಳಿಗೆ ಒಳಪಟ್ಟು ನಿಮ್ಮ ನಷ್ಟವನ್ನು ನಾವು ವಿಮೆಗೊಳಪಡಿಸಬಹುದಾಗಿದೆ.
ನಾವು ವಿಮಾದಾರರಿಗೆ ಮೊತ್ತವನ್ನು ಪಾವತಿಸುತ್ತೇವೆ. ಸಾವಿನ ಕ್ಲೈಮ್ನ ಸಂದರ್ಭದಲ್ಲಿ, ಪಾಲಿಸಿದಾರರ ನಾಮಿನಿಗೆ ಮೊತ್ತವನ್ನು ಪಾವತಿಸಲಾಗುತ್ತದೆ. ಒಂದು ವೇಳೆ ಪಾಲಿಸಿಯ ಅಡಿಯಲ್ಲಿ ಯಾವುದೇ ನಾಮಿನಿಯನ್ನು ನಮೂದಿಸಿಲ್ಲವಾದರೆ, USGIC ಕ್ಲೈಮ್ ಮೊತ್ತವನ್ನು ವಿತರಿಸಲು ನ್ಯಾಯಾಲಯದಿಂದ ಪಡೆದಿರುವ ಉತ್ತರಾಧಿಕಾರ ಪ್ರಮಾಣಪತ್ರವನ್ನು ಕೇಳಲಾಗುತ್ತದೆ. ಪರ್ಯಾಯವಾಗಿ, ಮೃತರ ಕಾನೂನು ಉತ್ತರಾಧಿಕಾರಿಗಳಿಗೆ ವಿತರಿಸುವುದಕ್ಕಾಗಿ ಕ್ಲೈಮ್ ಮೊತ್ತವನ್ನು USGIC ನ್ಯಾಯಾಲಯದಲ್ಲಿ ಠೇವಣಿ ಮಾಡಬಹುದು.
ಹೌದು.
- ಕ್ಲೈಮ್ ಮಾಹಿತಿ
- ಅಗತ್ಯ ದಾಖಲೆಗಳ ಸಲ್ಲಿಕೆ
- ಕ್ಲೇಮ್ ಪ್ರಕ್ರಿಯೆ
ನೀವು ಸ್ವೀಕರಿಸಿರುವ ಪಾಲಿಸಿ ಕಿಟ್ನಲ್ಲಿ ನಮೂನೆಯನ್ನು ಸೇರಿಸಲಾಗಿದೆ.
ಕ್ಲೈಮ್ ನಮೂನೆಯು ನಮ್ಮ ಕಂಪನಿಯ ವೆಬ್ಸೈಟ್ನಲ್ಲಿಯೂ ಲಭ್ಯವಿದೆ. ಈ ಲಿಂಕ್ ಕ್ಲಿಕ್ ಮಾಡುವ ಮೂಲಕ ನೀವು ಅದನ್ನು ಡೌನ್ಲೋಡ್ ಮಾಡಬಹುದು: https://universalsompo.com/claims/claims-forms
ಇಲ್ಲ
ಹೌದು
விபத்து என்பது ஒரு விரும்பத்தகாத சம்பவமாகும், இது யாரும் எதிர்பார்க்காமல் நிகழ்கிறது மற்றும் சேதம், காயம் அல்லது மரணத்தை ஏற்படுத்துகிறது. காப்பீட்டு பாலிசியானது விபத்து என்பது வெளிப்புற காரணிகளால், கண்களுக்கு தெரிகின்ற மற்றும் கொடூர்மான முறையில் ஏற்படும் திடீர் எதிர்பாராத மற்றும் விருப்பமில்லாத சம்பவம் என்று வரையறுக்கிறது.
காப்பீட்டாளருக்கு துரதிருஷ்டவசமான ஒரு விபத்து நேர்ந்தால், முதலில் உங்கள் உடல்நலத்தை கவனித்துக் கொள்ள்ளவும், மருத்துவரை சென்று பார்க்கவும். தேவைப்பட்டால் பொலீஸ் அதிகாரிகளுக்கு தெரியப்படுத்தவும். பின்வரும் வழிகளில் உங்களுக்கு பொருத்தமான ஏதேனும் ஒன்றின் மூலம் USGIC-ஐத் தொடர்பு கொண்டு தெரியப்படுத்தவும்:
| தொடர்பு கொள்ளும் முறை | விவரங்கள் |
| 1. மின்னஞ்சல் அறிவுறுத்தலை அனுப்ப வேண்டிய முகவரி | Contactclaims@universalsompo.com |
| 2.அழைக்க வேண்டிய எங்களின் இலவச தொலைபேசி எண் | 1800-22-4030 / 1800-200-4030ಗೆ ಕರೆ ಮಾಡಬಹುದು. |
| 3. மூத்த குடிமக்களுக்கான பிரத்யேக தொலைபேசி எண் | 1800-267-4030 |
மேலே குறிப்பிட்டுள்ள ஏதேனும் முறைகளின் ஊடாக தொடர்புகொள்வது உங்களுக்கு கடினமாக இருக்கும் ஒரு சில சமயங்களில், உங்கள் அருகிலுள்ள USGIC அலுவலகம் அல்லது வங்கிக்கு (வங்கி மூலம் விற்பனை செய்யப்படும் காப்பீட்டுத் திட்டங்கள்) இழப்பை உடனடியாகத் தெரிவிக்கலாம், அவர்கள் மேற்கொண்டு எடுக்க வேண்டிய நடவடிக்கைகள் குறித்து எங்களைத் தொடர்புகொள்வார்கள்.
பதில் : கீழ்காணும் கேள்விகளுக்கான பதில்கள் "ஆம்" தானா என நீங்கள் ஒரு சுய சரிபார்ப்பு செய்யலாம்
- பிரீமியம் - உங்கள் பிரீமியம் தொகைக்காக நீங்கள் கொடுத்த காசோலை வங்கியால் பணமாக்கப்பட்டதா?
- காலம் - இழப்பின் போது காப்பீடு காலாவதியாகாமல் செயல்பாட்டில் இருந்ததா?
- ஆபத்து - இழப்புக்கான காரணம் பாலிசியில் உள்ளடக்கப்பட்டுள்ளதா? (ஆபத்துக்கள் குறித்து பாலிசி ஆவணத்தில் வரையறுக்கப்பட்டுள்ளது)
- ವநபர் – இதில் பாதிக்கப்பட்ட நபருக்கு நிதி இழப்பு உள்ளதா?
மேலே உள்ள கேள்விகளுக்கான உங்கள் பதில்கள் "ஆம்" என்றால், உங்கள் பாலிசி விதிமுறைகள் மற்றும் நிபந்தனைகளுக்கு உட்பட்டு உங்கள் இழப்ப்புக்கு காப்பீட்டு பாதுகாப்பு வழங்கப்படும்.
காப்பீட்டாளருக்கு நாங்கள் தொகையை செலுத்துகிறோம். இறப்பு நேர்ந்தால், காப்பீட்டுதாரரின் நியமனதாரருக்கு தொகை செலுத்தப்படும். காப்பீட்டு பாலிசியின் கீழ் எந்தவொரு நியமனமும் செய்யப்படாவிட்டால், யு.எஸ்.ஜி.ஐ.சி (USGIC) ஆனது உரிமைகோரல் தொகையை வழங்குவதற்கு நீதிமன்றத்திலிருந்து வாரிசு சான்றிதழை சமர்ப்பிக்குமாறு வலியுறுத்தும். இதற்கு மாறாக, யு.எஸ்.ஜி.ஐ.சி இறந்தவருக்கு அடுத்துள்ள சட்டப்பூர்வ வாரிசுகளுக்கு பணத்தை வழங்குவதற்காக கோரல் தொகையை நீதிமன்றத்திலும் டெபாசிட் செய்யலாம்.
ஆம்.
- கோரலை தெரிவித்தல்
- தேவையான ஆவணங்களை சமர்ப்பித்தல்
- கோரலைச் செயலாக்குதல்
பாலிசி வாங்கும்போது உங்களுக்கு கொடுத்த பாலிசி கிட்டில் ஒரு படிவம் இடம்பெற்றிருக்கும்.
கோரல் படிவம் எங்கள் நிறுவனத்தின் வலைத்தளத்திலும் கிடைக்கிறது, நீங்கள் கீழ்கணும் இணைப்பைக் கிளிக் செய்து இப்படிவத்தைப் பதிவிறக்கலாம்: https://universalsompo.com/claims/claims-forms
இல்லை
ஆம்
| ஆவணங்களின் பட்டியல் | இறப்பு கோரல் | நிரந்தர முழு இயலாமை |
| முறையாகப் பூர்த்தி செய்யப்பட்ட அசல் கோரல் படிவம் | ஆம் | ஆம் |
| காப்பீட்டு பாலிசியின் நகல் | ஆம் | ஆம் |
| கோரலைத் தெரிவித்தல் | ஆம் | ஆம் |
| எஃப்.ஐ.ஆர் - சான்றளிக்கப்பட்டது அல்லது அசல் | ஆம் | ஆம் |
| இறப்புச் சான்றிதழ் | ஆம் | இல்லை |
| பிரேத பரிசோதனை அறிக்கை | ஆம் | இல்லை |
| விசாரணை/மரண விசாரணை அதிகாரியின் அறிக்கை | ஆம் | இல்லை |
| காவல்துறையின் இறுதி அறிக்கை / அசல் பஞ்சநாமா | ஆம் | ஆம் |
| வாரிசு சான்றிதழ், பொருந்தும் பட்சத்தில் | ஆம் | இல்லை |
| சிகிச்சையளிக்கும் மருத்துவமனையின் டிஸ்சார்ஜ் விவரங்கள், இதில் மருத்துவமனை பதிவு எண்ணை தெளிவாகக் குறிக்க வேண்டும். (மருத்துவமனையில் அனுமதிக்கப்பட்டிருந்தால்) | ஆம் | ஆம் |
| நோய் கண்டறிந்த அறிக்கைகள் (மருத்துவமனையில் அனுமதிக்கப்பட்டிருந்தால்) | ஆம் | ஆம் |
| ஊனத்தின் தன்மை மற்றும் அளவை உறுதிப்படுத்தும் அரசாங்க மருத்துவமனை வைத்தியரிடமிருந்து பெற்ற சான்றிதழ் | இல்லை | ஆம் |
| ஊனமுற்றதைக் காட்டும் காயமடைந்தவரின் புகைப்படம் | இல்லை | ஆம் |
| நியமனதாரரை உறுதிப்படுத்தும் கணக்குத் தொடங்கும் படிவம். | ஆம் | இல்லை |
యాక్సిడెంట్ అనేది అనుకోకుండా జరిగే అప్రియమైన సంఘటన మరియు నష్టం, గాయం లేదా మరణానికి కారణం కాగలదు. యాక్సిడెంట్ అంటే బాహ్య, కనిపించే మరియు హింసాత్మక మార్గాల వల్ల సంభవించే ఆకస్మిక ఊహించని మరియు అసంకల్పిత సంఘటన అని పాలసీ నిర్వచిస్తుంది.
బీమా చేయబడిన వ్యక్తికి దురదృష్టకర సంఘటన జరిగిన సందర్భంలో, ముందుగా మీ ఆరోగ్యాన్ని జాగ్రత్తగా చూసుకోండి మరియు వైద్యుడిని సంప్రదించండి.
అవసరమైన ప్రతిచోట పోలీసు అధికారులకు తెలియజేయండి.
దయచేసి కింది అనుకూలమైన మార్గాలలో దేని ద్వారానైనా USGICని సంప్రదించండి:
| సంప్రదింపు విధానం | వివరాలు |
| 1. ఇమెయిల్ సలహా ఇక్కడికి పంపవచ్చు | Contactclaims@universalsompo.com |
| 2. మా టోల్ ఫ్రీ నంబర్కు కాల్ చేయండి | 1800-22-4030 / 1800-200-4030ಗೆ ಕರೆ ಮಾಡಬಹುದು. |
| 3. సీనియర్ సిటిజన్ నంబర్ | 1800-267-4030 |
పై మోడ్లలో దేని ద్వారానైనా కమ్యూనికేట్ చేయడం మీకు కష్టంగా అనిపించే అరుదైన సందర్భంలో, మీరు వెంటనే మీ సమీపంలోని USGIC కార్యాలయానికి లేదా బ్యాంకర్కు (బాంకా పాలసీల కోసం) తెలియజేయవచ్చు, వారు తదుపరి లాంఛనాల కోసం మమ్మల్ని సంప్రదిస్తారు.
కింది ప్రశ్నలకు సమాధానాలు “అవును” అని ఉందా అనేది అని మీరు స్వయంగా-పరిశీలన చేసుకోవచ్చు?
- ప్రీమియం – మీ ప్రీమియం చెక్ బ్యాంక్ ద్వారా క్లియర్ చేయబడిందా?
- వ్యవధి– నష్టం జరిగిన సమయంలో బీమా సక్రియంగా ఉందా?
- ప్రమాదం – నష్టానికి కారణం పాలసీలో కవర్ చేయబడిందా? (పాలసీ డాక్యుమెంట్లో ప్రమాదాలు నిర్వచించబడ్డాయి)
- వ్యక్తి – మీరు ప్రభావితమైన వ్యక్తికి బీమా చేయదగిన ఆసక్తిని కలిగి ఉన్నారా?
పై ప్రశ్నలకు మీ సమాధానాలు “అవును”అయితే, పాలసీ నిబంధనలు మరియు షరతులకు లోబడి మీ నష్టం మా ద్వారా కవర్ చేయబడి ఉంటుంది.
మేము బీమా చేయబడిన వ్యక్తికి మొత్తాన్ని చెల్లిస్తాము. మరణం క్లెయిమ్ విషయంలో, పాలసీదారుని నామినీకి మొత్తం చెల్లించబడుతుంది. పాలసీ కింద నామినీ పేర్కొనబడి ఉండకపోతే, USGIC క్లెయిమ్ మొత్తాన్ని పంపిణీ చేయడానికి తప్పక న్యాయస్థానం నుండి వారసత్వ ధృవీకరణ పత్రాన్ని కోరుతుంది.
ప్రత్యామ్నాయంగా, USGIC మరణించిన వారి తదుపరి చట్టపరమైన వారసులకు చెల్లింపు కోసం కోర్టులో క్లెయిమ్ మొత్తాన్ని డిపాజిట్ చేయవచ్చు.
అవును.
- క్లెయిమ్ సూచించడం
- అవసరమైన పత్రాల సమర్పణ
- క్లెయిమ్ ప్రాసెసింగ్
మీరు అందుకుని ఉండగల పాలసీ కిట్లో ఒక ఫారమ్ చేర్చబడింది.
క్లెయిమ్ ఫారమ్ మా కంపెనీ వెబ్సైట్లో కూడా అందుబాటులో ఉంది, మీరు లింక్ను సందర్శించడం ద్వారా దాన్ని డౌన్లోడ్ చేసుకోవచ్చు: https://universalsompo.com/claims/claims-forms
లేదు
అవును
| పత్రాల జాబితా | మరణం క్లెయిమ్ | శాశ్వత పూర్తి వైకల్యం |
| విధిగా పూరించబడిన అసలైన క్లెయిమ్ ఫారమ్ | అవును | అవును |
| పాలసీ కాపీ | అవును | అవును |
| క్లెయిమ్ సూచన | అవును | అవును |
| FIR - ధృవీకరించబడినది లేదా అసలైనది | అవును | అవును |
| మరణ ధృవీకరణ పత్రం | అవును | కాదు |
| పోస్టుమార్టం నివేదిక | అవును | కాదు |
| దుర్మరణ కారణ విమర్శ (ఇన్క్వెస్ట్)/మరణవిచారణాధికారి (కొరోనర్) యొక్క నివేదిక | అవును | కాదు |
| తుది పోలీసు నివేదిక / అసలు పంచనామా | అవును | అవును |
| చట్టపరమైన వారసుడు సర్టిఫికేట్, వర్తిస్తే | అవును | కాదు |
| చట్టపరమైన వారసుడు సర్టిఫికేట్, వర్తిస్తే | అవును | కాదు |
| ఆసుపత్రి రిజిస్ట్రేషన్ నంబర్ (ఆసుపత్రిలో చేరినట్లయితే)ను స్పష్టంగా సూచిస్తూ చికిత్స పొందుతున్న ఆసుపత్రి డిశ్చార్జ్ సారాంశం | అవును | అవును |
| రోగనిర్ధారణ నివేదికలు (ఆసుపత్రిలో ఉంటే) | అవును | అవును |
| వైకల్యం యొక్క స్వభావం మరియు తీవ్రత (డిగ్రీ)ని నిర్ధారిస్తూ ప్రభుత్వ ఆసుపత్రి వైద్యుని నుండి సర్టిఫికేట్ | కాదు | అవును |
| గాయపడిన వారి ఫోటో వైకల్యాన్ని ప్రతిబింబిస్తూ | కాదు | అవును |
| నామినీని ధృవీకరిస్తూ ఖాతా తెరిచే ఫారమ్. | అవును | కాదు |
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